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Post by Admin on Mon Oct 18, 2010 3:35 pm

PUNB: Pemborong PROSPER

Background

Wholesale and distribution is one of the important components in the supply chain sector. Bumiputera entrepreneurs are therefore encourage to venture and seize the opportunities from this promising sector and help to support those entrepreneurs in the retail business.

Towards this end, PUNB offers an entrepreneurial package to develop Bumiputera entrepreneurs into resilient wholesalers, distributors or suppliers.

PROSPER Wholesale scheme targets Bumiputera who aspires to venture or expand their wholesale, distribution or supply businesses.

The Scheme’s Objective

1. To develop Bumiputera entrepreneurs involved in bulk buying and selling activity of goods and supplies.

2. To provide the source of goods and supplies at the cost that helps to enhance the competitiveness of Bumiputera entrepreneurs in the retail business.

The Entrepreneurial Scheme

1. Funding

This scheme offers Syariah-based financing facilities from RM250,000 to a maximum of RM5 million. The repayment period for the funding is up to 7 years.

The fund is provided for the purposes of working capital, purchase of stocks and assets and others that are related to the needs of the proposed business.

2. Business Services

Besides financing, this scheme also offers business services comprising monitoring, identification of the premises, networking and entrepreneur training.

All these services are meant to provide an avenue for Bumiputera entrepreneurs to seize the business opportunities, exchange ideas and experiences, widen their network to ensure the business progresses.

Eligibility Criteria

Entrepreneur
1. Bumiputera
2. Must possess strong entrepreneurial characteristics like honesty, confidence, resilience, positive mind and attitude, creativity and strong self-discipline
3. Knowledgeable in the business or having the experience in existing business or has secure a contract / rights to distribute / supply the goods
4. Able to provide at least 20% of the total project cost
5. No unfavourable record with any financial institutions
5. Fully committed to the business
6. Willing to attend the courses related to the business identified from time to time

Business
1. Must be in wholesale, distribution or supply
2. Owned and managed by Bumiputera
3. Strong growth potential that provides synergy to the retail business

Business Scope

PUNB offers funding opportunity in the following areas of the business:

1. Food equipment / supply
2. Engineering spare parts and machinery
3. Agriculture- based products
4. Pharmaceutical and health care products & devices
5. Cosmetics and herbal based products
6. Textile based products
7. Other suitable businesses related to the retail business

Evaluation Process

1. Initial Prospecting
The applicant must send in or e-mail their business proposal to PUNB for consideration. PUNB will then discuss with the applicant for more information and better comprehension of the proposal. The initial assessment is focussed on 5 key business areas namely products, market, management, operation and finance to determine the next stage of evaluation.

2. Presentation of Business Proposal
After the first assessment, the applicant is required to present his proposal paper to PUNB’s Evaluation Committee for assessment of the proposal’s 5 business aspects and the applicant’s investment criteria.

3. Rigorous Assessment and Due Diligence
If the Evaluation Committee is convinced with the business proposal and with the applicant’s consent, a rigorous assessment and due diligence exercises will be carried out based on the 5 business aspects, corporate entity and the applicant’s background.

4. Approval and Documentation
Upon the completion of the rigorous assessment and due diligence exercises, the proposal will be forwarded to PUNB’s Investment Committee for approval, followed by the documentation process detailing the terms and conditions of the funding.

5. Disbursement and Implementation
Once the legal documentation and pre-disbursement requirements are being fulfilled, the fund will be channeled to the business for the intended purpose. PUNB will monitor this closely to ensure that the resources are used to achieve the business targets.

How to Apply

To apply, please submit your complete and detailed business plan focussing on the following topics:

1.Executive Summary
Business opportunity, products, market and management; proposed amount of financing and its use, summary of five-year income statement and capital requirements.

2 Business Opportunity
Description of the products and how they can fulfill the needs of retail the entrepreneurs.

3. Business Strategy
Summary of the business strategy including financial and business development.

4.Marketing Plan
Customers’ needs, market segmentation, distribution channels, sales strategy and plan, competition and positioning.

5.Operational Plan
Daily operations plan, sources of supply, equipment, facilities and administration plan.

6. Management and Key Members of the Personnel
A detailed resume of key members of the personnel, organisation, human resource plans, incentive and compensation programmes, if any.

7. Financial Projections
5 years forecast including profit and loss, balance sheet and cash flow statements.

Send in your proposal to:

PROSPER Secretariat
(Pemborong PROSPER Scheme)
PERBADANAN USAHAWAN NASIONAL BERHAD
10th Floor, Block 1B
Plaza Sentral
Jalan Stesen Sentral 5
KL Sentral
50470 Kuala Lumpur

or

Email : pemborong@punb.com.my

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PUNB: PROSPER Siswazah


Background

There is ample opportunity for young Bumiputera graduates to venture in the business and to choose entrepreneurship as their preferred career. Perbadanan Usahawan Nasional Berhad (PUNB) is pleased to invite Bumiputera graduates to become entrepreneurs who will contribute significantly towards the development of Bumiputera entrepreneur intellectuals. In regard to this, PUNB provides a special entrepreneurial package namely PROSPER Siswazah aimed at inspiring, guiding and developing young Bumiputera graduates to be entrepreneurs in the retail sector.

Objective


· To provide Bumiputera graduates with skills and knowledge for them to venture in retail and distribution business.

· To assist Bumiputera graduates to embark on retail and distribution business through structured and systematic development mechanism.


PROSPER Siswazah Entrepreneurial Package

1) Loan Facility

This scheme offers 2 types of packages for loan facility which are based on Syari’ah principle, Qard Al-Hasan. They are:

Package A
Provides a loan facility from RM5,000 to RM50,000 for sole proprietorship, partnership or a Sdn Bhd business. The entrepreneur must provide a minimum capital of RM 500 for each project. The repayment period for the loan ranges from 3 to 7 years.

Package B
Provides a loan facility from RM 50,001 to a maximun of RM 100,000 for partnership or a Sdn Bhd business. Each entrepreneur must provide a minimum capital of RM 500 for each project. The repayment period for the loan ranges from 5 to 7 years.

II) Business Sevices
The above loan packages A and B come intact with the business services comprising pre-operation advisory , monitoring of accounts , business advisory and training . These value add services will be rendered by PUNB throughout the loan period and is chargeable at a nominal rate on monthly basis to the entrepreneur.
Eligibility Criteria

Target graduate
· Bumiputera graduate who possess at least a diploma from higher learning institutions recognised by the Government.
· Not more than 33 years old in age on the day of registration.
· Each entrpreneur is able to finance a minimum capital of RM500
· Willing to attend all programmes organised by PUNB

Business
· 100% owned and managed by Bumiputera entrepreneur.
· New business or business at the stage of expansion.
Scope of Business

· Retail
· Distributor
· Direct Selling and Stockist
· Telecommunication and Information Technology
· Professional services
· Cottage industries of agricultural based.
· Home based services
· Educational services

Application Process

1. Participant registers via PROSPER registration form
2. Participant attends Entrepreneurial Suitability Assessment Session
3. Participant attends Business Proposal Course for 3-days (RM 50 fees)
4. Participant presents the business proposal
5. Approval of the financing.
6. Participant attends Basic Entrepreneurial Course for 4-days

Send in your proposal to:

PROSPER Secretariat
PERBADANAN USAHAWAN NASIONAL BERHAD
10th Floor, Block 1B
Plaza Sentral
Jalan Stesen Sentral 5
KL Sentral
50470 Kuala Lumpur

or

Email : prosper_siswazah@punb.com.my

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PUNB: PROSPER Runcit

PROSPER Runcit offers the following :
1. Business Funding Package A & B based on Syariah
2. Entrepreneurial Skills

1. SYARIAH BASED BUSINESS FUNDING
a) Package A - Financing amount from RM70,000 to the maximum RM200,000

i. Business Financing
This package offers financing based on the principle of Qard Al-Hassan, whereby the borrower must pay back the loan’s principal amount through a fixed instalment schedule. In this package, the entrepreneur needs to contribute at least 10% of the total project cost while PUNB provides financing up to 90% subject to the maximum amount of RM200,000.



ii. Business Services
Apart from financing, this package comes intact with business services for pre-business operations, monitoring of accounts and business advice. The entrepreneur will be charged an affordable fee for these services.

b) Package B - Financing amount from RM200,001 to RM1,000,000

i. Business Financing
Under this package, the entrepreneur is eligible for financing amount up to the maximum of RM 1 million though Musyarakah Mutanaqisah (equity injection), Bai Al Inah (BAI), Bai Bithaman Ajil (BBA) and/or any financing instrument depending on the requirement of the proposed business.( The company’s structure must be Sendirian Berhad with an exception to petrol station business)

For this package, if the entrepreneur can only contribute 10% as the start-up capital, PUNB will contribute another 10% to make the total equity of the company to at least 20% of the project cost. The remaining amount will be financed by PUNB through BAI or BBA or other financing instruments deemed suitable.



However in cases, where the entrepreneur contributes 20% for the start-up capital, PUNB will finance the balance 80% of the total project cost using BAI or BBA or other suitable financing instruments.



ii. Business Services
In addition to the financing, Package B also offers business services for pre-business operations, monitoring of accounts and business advisory.

2. ENTREPRENEURIAL SKILLS
PUNB also provide courses in areas relating to entrepreneurial skills such as entrepreneurial awareness and motivation, management development, operational monitoring skills and corporate governance from time to time.

SCOPE OF BUSINESS
PROSPER Runcit is open to all types of viable and sensible retail business ideas. The following list gives a good idea of all the types of retail business that we are able to provide business opportunities. They are :

* Jewellery shop
* Petrol station
* Workshop
* Specialist clinic/ medical/ dental/ veterinary
* Textile & clothing shops
* Optical and spectacles shops
* Architect/ accountant/ lawyer and other professional firms recognised by the Government
* Metal & building materials supply shop
* Pharmacy
* Food
* Shoes & leather shop
* Cosmetic and Beauty shop
* Women Accessories shop
* Computer equipment / telecommunications and IT shop
* Books & stationery shop
* Herbal & traditional medicine shop
* Sports equipment and recreation shop
* Electric & Electronic shop
* Provisional shop/ mini market
* Any other suitable businesses

ELIGIBILITY CRITERIA


Entrepreneur

* Bumiputera.
* Age 18 years and above.
* Possesses strong entrepreneurial characteristics such as honesty, confidence, resilience, positive mental atitude, creativity and high level of self-discipline.
* Willing to attend courses that have been identified
* Favourable records with financial institutions
* Willing to work full time
* Must be able to finance at least 10% of the total project cost.

Business

* Retail business.
* The business is 100% owned by Bumiputera
* Viable business with project cost not exceeding RM1.0 million.
* The business must be free of financial assistance from any financial institutions that took any form of security in form of charge on tthe company’s asset.
* The business location has been identified.

APPLICATION PROCESS
The application process for PROSPER Runcit is as follow:



How to Apply
You can choose to register via our registration form or online through this portal. Send in your complete registration form to :
PROSPER Secretariat
PERBADANAN USAHAWAN NASIONAL BERHAD
Level 10, Block 1B
Plaza Sentral
Jalan Stesen Sentral 5
Kuala Lumpur Sentral
50470 Kuala Lumpur

or

Email : prosper_runcit@punb.com.my

    Current date/time is Sat Nov 25, 2017 5:44 pm